Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

Burglary rises when the clocks go back: is your home at risk?

Burglary statistics reveal a strange fact. Each time the clocks go back one hour for Daylight Saving Time (DST), the number of break-ins increases by one-third*.

Most home insurance policies will cover you if your home is burgled, but there are limitations which could lead to your claim being rejected.

Some of the scenarios that may catch you out include:

Security failures

Most home insurers will offer lower premiums if your home is protected by a minimum level of security.

Generally, this would include deadlocks on external doors and locks on accessible windows. If you forget to lock your doors while popping to the shops, for example, your home insurer may reject your claim.

High-value items

High-value items, such as phones, laptops, and jewellery, are often sought after by thieves, but may not be automatically covered by your home insurer.

Depending on your home insurance policy, you may need to get additional cover to protect items above a certain value.

Long trips

Most home insurance policies specify that your home should not be left unoccupied for more than 30 consecutive days.

If a burglary takes place while your home is empty for a period longer than 30 days - due to an extended holiday for example - your claim may be rejected. Some insurers may allow you to put extra cover into place while you're on an extended trip but be sure to check with your provider first.

Get in touch today to find the most suitable home insurance for your needs.

SPEAK TO AN ADVISER

*Source: https://review42.com/uk/resources/uk-burglary-statistics

Related

What insurance do you need in place to buy a home?

What insurance do you need in place to buy a home?

You’ve secured your pre-approval and found your new home. But have you got your insurance in place?...

Read More >
Having a will makes life easier for your loved ones

Having a will makes life easier for your loved ones

February is the month of Valentine's Day, and a time where the air is filled with love and expre...

Read More >
Equity Release - Gifting to Family and Friends

Equity Release - Gifting to Family and Friends

Equity release gifting is a great way to release tax-free cash from your home to help friends and fa...

Read More >
A new Bank of England base rate rise. Is now a good time to remortgage?

A new Bank of England base rate rise. Is now a good time to remortgage?

August 4th saw yet another Bank of England Base Rate hike, this time to 1.75% and evidently these ri...

Read More >
2024 Autumn Budget

2024 Autumn Budget

Let’s go through one of the biggest tax-raising Budgets in history. With the new government underwa...

Read More >
First-Time Buyers: Frequently Asked Questions

First-Time Buyers: Frequently Asked Questions

Do you know the difference between a fixed and a variable mortgage? Have you heard of 'loan to v...

Read More >

What our clients say...

Latest Blog

Key Trends Shaping Mortgages, Protection & Later-Life Lending in 2025

It’s been a busy year in the finance world! Have you been reading along? We’d thought we’d break ...
Read More

Case Study: Navigating Complex Lending

Applying for a mortgage can sometimes be straightforward, but when your financial situation is compl...
Read More

Understanding Tax Calculations and Tax Year Overviews

If you’re applying for a mortgage, you may have come across the terms SA302 and Tax Year Overview. ...
Read More

Want to Boost Your Home's Appeal? Start with the Garden

What an amazing summer we’ve been having, and if like us, you’ve been spending a lot of time in th...
Read More

Making the Most of Your Home in Retirement – With the Right Advice

For many people approaching or already in retirement, your home isn’t just where you live, it’s al...
Read More

From Renting to Retirement: How Your Insurance Needs Change Through Life

As your lifestyle evolves, so do the risks you face. Your insurance cover should adapt to reflect th...
Read More

Supporting a Self-Employed Single Mum with Critical Illness Cover

We recently encountered an interesting real-life scenario, and we thought it would be helpful to sho...
Read More

Boost Your Chances for a Mortgage

Are you looking for a new mortgage? How organised are you? Let’s go through some of the key criteri...
Read More

Stay Calm and Financially Resilient

Your Money, Your Safety Net...Life can be unpredictable. Whether it's a sudden job loss, an illness,...
Read More

Can Your Health Cover Help You Get Fitter? Here’s How

Are you looking to feel your best this summer? It can be a self-conscious time of year, but let’s m...
Read More


Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


  • Back to top